KR20210136763A - Discount service method and system by exchange payment and server for same - Google Patents

Abstract

The present invention relates to a discount service method by exchange payment (payment is made for two or more points between branches within a predetermined alliance for an arbitrary consumer) to contribute to development of a local commercial area, a system thereof, and a server for the same. According to the present invention, when an exchange payment is requested through a contact or non-contact interface from a payment medium to a payment terminal device in the case of requesting the exchange payment using the payment medium, the payment terminal device generates and transmits an exchange payment approval request to a business server through a business server, a payment intermediary server, and/or the Internet. The business server stores an exchange payment request time for a payment request message to check whether payment of an affiliated company is performed in a previous payment history within a predetermined time. When payment is made by applying a discounted amount after the exchange payment is approved by the business server, the business server notifies the payment approval to the payment terminal device.

Description

Discount service method and system by exchange payment and server for same

Disclosed are a method, a system and a server for providing a discount service based on a refund payment method.

Recently, various consumption patterns including the consumption pattern of enjoying coffee after a meal have been established in the workplace culture or business culture, and furthermore, in the consumption culture of the main economic class, which can be easily found.

Therefore, among the existing consumption patterns, if a service that applies a specific discount rate to consumption within a certain period of time can be provided and efficiently operated and managed, we can create profits from each other in terms of consumption and sales. will be able to do

As a close example that exists similarly, if we change public transportation within a certain time (transfer), we have the advantage of being able to enjoy benefits in terms of fares (the average transfer rate of public transportation in Gyeonggi-do is 30% or more, and the More than 58% of cases, Gyeonggi Research Institute 2020 report).

Although it is possible to provide such a discount service as an event in individual stores, due to the lack of a systematic system, publicity is not well performed or it is not operated stably. holding

In addition, there is also the inconvenience of providing services by calculating the discount amount one by one from the point of view of the seller, rather than the method in which the discount amount is automatically calculated.

Conventionally, there was a limitation that passive discount was applied due to the seller's unilateral discount condition that was not generally tailored to the consumer's subjective consumption pattern.

In addition, it is difficult to implement the service in a wide area and systematic manner due to the problem that there is no regular institutionalized provision compared to the effectiveness and profit, and when implemented individually, the overall operation of the service is also insufficient.

Korean Patent Publication No. 10-2007-0091787

In the present invention, when a refund payment is requested through a payment medium, the business server checks whether another partner has a pre-payment within a predetermined time from the transfer payment request time for the payment request, and the business server approves the refund payment and then discounts It is an object of the present invention to provide a method and system for a discount service for refund settlement in which the amount of money is applied to a fund amount, and a server for the same.

The method of discount service by exchange payment to solve the above technical problem is

requesting a refund payment through a payment terminal device connected to a payment medium and a kind of program required for the refund payment system;

As a separate device connected to the operator server and communication network (Internet or VAN), the device receives payment data (eg menu and price, etc.) Transmitting a series of payment information (menu, price, time, identification number, etc.) required for the exchange payment from the existing device to the service provider server through a communication network;

retrieving the time of a recent payment made at another affiliated store with a corresponding request card from the existing payment history data recorded in the business server from the business server;

determining whether an interval between the time and the time of the currently requested payment exceeds a predetermined time;

applying a certain benefit to the requested payment when both payments are made within a predetermined time;

a step of automatically depositing the payment amount from the real account of the business operator to the real account of the affiliated branch through a separate payment method (eg, a method using openAPI of openbanking) based on a series of payment information that has undergone the above process;

notifying the transfer payment approval from the business server to the payment terminal device;

It characterized in that it comprises the step of notifying the approval of the exchange payment to the payment medium from the business server.

In addition, the discount service method by reciprocal payment for solving the technical problem is a process with or without a specific transit in the payment terminal device and/or the business server and/or the card company server, and notifies the payment approval to the payment medium. It may further include the step of

The discount service system by exchange payment to solve the above technical problem is

a payment medium, characterized in that it requests a transfer payment through a contact or non-contact interface to the payment terminal device;

a payment terminal device for transmitting and receiving information on the payment medium and a refund payment request, receiving a payment amount, and requesting a refund payment to a business server through a predetermined payment network (eg, Value Added Network, VAN) or the Internet;

With respect to the received request, the time of the latest payment made at another affiliated point is brought to the request card from the existing payment history data recorded in the business server from the service provider server, and the interval between the time and the time of the currently requested payment is constant. A separate method of determining whether the time is exceeded, applying certain benefits to the requested payment if both payments are made within a certain time, and automatically depositing the actual payment amount from the operator's real account to the affiliate's real account (e.g., , it is characterized in that it includes a business server server that uses openAPI of openbanking).

The payment medium may be manufactured in the form of a smart card, and the smart card stores a card number, a card password, an account number, an account password, customer personal information (name, resident registration number), and customer communication means information. The card structure includes VCC, RST, CLK, GND, VPP, I/O, RAM, ROM, coprocessor, EEPROM, and BUS, and the standards for this satisfy ISO/IEC 7816 and/or ISO/IEC 14443 It is characterized in that it complies with at least one or more smart card standards.

In addition, the payment medium may be manufactured in the form of, for example, a barcode card, a magnetic card, or an application having an MST, NFC payment function, in addition to the form of a smart card, and may be included in a mobile application, and the user in the first step of the payment process It exists as unique information possessed, and the present invention is not limited according to its form.

The payment terminal device includes a card interface for reading the payment medium, an input unit for generating key data by an operator and/or a user and transmitting the key data to a control unit, and input/output for controlling the overall operation of the payment terminal device An additional function processing unit including a memory unit that is a non-volatile storage space in which data is stored, a display unit that outputs information for providing a payment service on a screen, a security application module (SAM) and/or a print unit, and the like, the payment intermediary server or a communication unit for Internet communication or a communication unit for Internet communication, and a control unit for providing customer management information read through the card interface to the communication unit when payment is input through the input unit. In addition, the payment processing process may be performed in the form of using a mobile application, not in the form of a typical payment terminal. Furthermore, it goes without saying that the object of the present invention can be achieved even if the system and configuration of the payment terminal device are configured in a different way.

The business server includes a customer DB for storing card user DB, payment information DB, affiliate DB, charging and withdrawal DB; a customer DB management unit for updating and managing card information, customer information, payment time information, partnership information, or credit rating according to information provided through the payment terminal device and information input through a business server; a communication interface that supports necessary wired/wireless and network communication between a payment medium, a payment terminal device, and a business server; an approval unit that reads payment information through the customer DB management unit and approves the payment when payment approval is requested; It characterized in that it comprises a control unit for updating the customer DB based on the request of the approval unit.

In addition, the business server may include other parts including a generator for generating a payment request, may not be physically separated, and the present invention is not limited by this because it is arbitrarily divided for accurate understanding only in this description. .

The card company server receives the full payment request indirectly or directly from the payment terminal device, the card management unit generates and transmits the full payment approval request to the account management unit, and reads the payment amount from the received payment approval request message and an account management unit for withdrawing money from a payment account and depositing it into the card management unit of the card company server, and a storage medium provided in the card management unit or the account management unit to store payment account information and personal information corresponding to card information. do.

In addition, according to the present invention, most of the operations and processes in which the payment medium is described as a subject is limited to the case where the payment medium is in the form of a smart card, and further, when the payment medium is in a form other than a smart card, Even if the payment is made in a different configuration and method, the object of the present invention is achieved.

The discount service server by exchange payment to solve the above technical problem is

when a transfer payment request is transmitted from the payment terminal device to the business server, retrieving the time of the latest payment made at another affiliated store with the request card from among the existing payment history data recorded in the business server;

determining whether an interval between the time and the time of the currently requested payment exceeds a predetermined time;

applying a certain benefit to the requested payment when both payments are made within a predetermined time;

a step of automatically depositing the payment amount from the real account of the business operator to the real account of the affiliated branch through a separate payment method (eg, a method using openAPI of openbanking) based on a series of payment information that has undergone the above process;

notifying the transfer payment approval from the business server to the payment terminal device;

It is characterized in that the business server operates a program for executing the step of notifying the payment medium of approval of the refund payment.

In addition, it is preferable that the discount service server by the exchange payment for solving the technical problem is operated by the business server. Additionally, the business server server may include all steps performed in the card company server as well as the discount service server, and thus the business server server can independently manage all steps necessary for carrying out the present invention.

Make a payment at a specific time through the payment terminal device of a specific affiliate branch that is affiliated with the business server, and make a payment request at another specific time through the payment terminal device of another specific affiliate branch that is affiliated with the business server Thus, if the payment is made at the affiliate branch within a specific time (eg, 30 minutes) stored in the business server server, the transfer payment is approved in the business server server according to a series of procedures of the business server server, and the latter is set at the affiliate branch. It is characterized in that the payment is made in the amount to which a percentage discount is applied.

On the other hand, payment is made at a specific time through the payment terminal device of a specific affiliate branch that is affiliated with the business server server, and another specific payment is made through the payment terminal device of another specific affiliate branch affiliated with the business server server. When a payment request is made at the time and the payment is made at the affiliated point beyond a specific time (eg, 30 minutes) stored in the business server server, according to a series of procedures of the business operator server, the exchange payment is rejected by the business server server It is characterized in that the payment is made in the amount not applied to the discount.

Additionally, if a specific branch among the branches where the payment is made does not perform a specific alliance with the present invention, according to a series of procedures of the business server, the refund payment is rejected by the business server, so the amount to which the discount is not applied It is characterized in that the payment is made.

Additionally, the object of the present invention is achieved even if any form of payment is included before and after payment performed at a specific affiliated point with which the business operator server is affiliated.

On the other hand, in the aspect of the operation and management of the amount directly/indirectly existing in the payment medium during the payment process carried out in the present invention, a specific account in which a certain amount is connected in a predetermined manner to the charging method of the amount of the payment medium An automatic charging method that is automatically charged from the battery may be included.

By providing discount benefits to consumers who make payments in the process of the embodiment of the present invention, and at the same time, by urging consumers to pay at the point where the system is serviced to increase the frequency of payment made at the point, the local commercial area Contributing to development and at the same time generating savings in consumption expected by applying a discount rate.

1 is a flow chart according to a preferred embodiment of the exchange payment system and method.
2 is a diagram for conceptually explaining the system configuration of the operator server 300 .
3 is an exemplary diagram simply illustrating the case (A) (applied case) and (B) (non-applied case) of the refund payment as an embodiment in the time condition and partnership condition of the present invention.
4 is a diagram illustrating a flowchart according to a payment procedure according to an embodiment of the present invention.

1 is a flowchart according to a preferred embodiment of the exchange payment system and method, and it is characterized in that it includes a payment medium 100 , a payment terminal device 200 , and a business server 300 .

The payment medium 100, the payment terminal device 200, and the business server 300 are all wired/wireless communication and network communication operations and processes to be described later as the main subjects. ) may be included, and the object of the present invention is achieved even if communication is made through or omitted from any other communication path (eg, the Internet).

1 is a payment medium 100 that requests a refund payment through a contact or non-contact interface to the payment terminal device 200 , receives a full refund request from the payment medium 100 and requests a return payment to the business server 300 Receives the full refund request from the payment terminal device 200 and the payment terminal device 200, checks whether the payment has been made with other affiliates within a certain period of time from the time of the exchange payment request, and the refund payment is approved and the discount is applied. It includes a business server 300 that updates the customer DB and performs payment transfer.

1 is a step S1 of requesting a transfer payment from the payment medium 100 to the payment terminal device 200 through a contact or non-contact interface, in the payment terminal device 200, the operator server 300 and/or the payment intermediary server (US city) and/or through the Internet, in step S2 of generating and transmitting the full text of a refund payment approval request to the business server, the recent payment made at other affiliated stores of the corresponding request card among the existing payment history data recorded in the business server 300 Step S3 to get the time of , determine whether the interval between the time of request for refund payment and the time obtained in step S3 exceeds a certain time

If the two payments are made within a certain time according to the determination of step S4 and step S4, step S5 of applying a certain benefit to the requested payment, a separate method (eg, openbanking Step S6 in which the payment is automatically deposited from the real account of the main operator's bank to the account of the affiliated store through the method using openAPI); It is characterized in that it comprises a step S7 of notifying, a step S8 of notifying the payment approval from the business server 300 to the payment medium (100). In addition, the payment terminal device 200 and/or the business server 300 may include the step of notifying the payment approval to the payment medium 100 as a process with or without a specific transit (not shown).

The payment medium 100 is characterized in that it requests the transfer payment to the payment terminal device 200 through a contact or non-contact interface.

According to an embodiment of the present invention, the payment medium 100 may be manufactured in the form of a smart card, and the smart card includes a card number, a card password, an account number, an account password, and customer personal information (name, resident registration number). , customer communication means information is stored, and the structure of the smart card includes VCC, RST, CLK, GND, VPP, I/O, RAM, ROM, coprocessor, EEPROM, and BUS. It is characterized in that it complies with at least one smart card standard that satisfies IEC 7816 and/or ISO/IEC 14443.

The payment medium 100 may, for example, be manufactured in the form of an application having a barcode card, magnetic card, smart card or MST, NFC payment function, and exists as unique information owned by the user in the first step of the payment process. and the present invention is not limited according to the form. In addition, according to the present invention, most of the operations and processes in which the payment medium 100 is described as a subject is limited to the case where the payment medium 100 is a smart card, and further, the payment medium 100 is In the case of a form other than a smart card, the object of the present invention is achieved even if payment is made in a different configuration and method.

On the other hand, in the aspect of the operation and management of the amount directly/indirectly existing in the payment medium 100 , in the charging method of the amount of the payment medium 100 , a certain amount is directly from a specific account connected in a predetermined manner. / An automatic charging method that is automatically charged indirectly may be included.

The payment terminal device 200 receives the information of the payment medium 100 and a transfer payment request, receives a payment amount, and requests a transfer payment to a payment intermediary server and/or a business server.

The payment terminal device 200 is typically a card interface for reading the payment medium 100, an operator and/or a user, etc., generates key data and transmits the key data to the control unit, the payment terminal device ( 200) a memory unit that is a non-volatile storage space for storing input/output data for controlling the overall operation, a display unit for outputting information for providing a payment service to the screen, a security application module (SAM) and/or a printing unit When payment is input through an additional function processing unit including an additional function processing unit, the payment intermediary server or the operator server 300 or the communication unit for communication with the VAN server or the Internet, and the input unit, the customer management information read through the card interface It may be characterized in that it comprises a control unit provided to the communication unit. Furthermore, it goes without saying that the object of the present invention is achieved even if the system and configuration of the payment terminal device 200 by way of reversal payment is configured in a different way.

The business server 300 fetches the time of the latest payment made at another affiliated point of the request card from among the existing payment history data recorded in the business server 300, and the interval between the refund payment request time and the imported time is constant. It is determined whether the time is exceeded, and if both payments are made within a certain time according to whether the judgment is made, a certain benefit is applied to the requested payment, and a separate method (eg, openAPI of openbanking It is characterized by automatically depositing the payment amount from the real account of the main business operator's bank to the account of the affiliated store through the method used).

The business server includes a card DB, a payment information DB, an affiliate DB, and a customer DB for storing the card charge/withdrawal DB; a customer DB management unit for updating and managing card information, customer information, payment time information, and partnership information according to information provided through the payment terminal device and information input through a business server; a communication interface that supports necessary wired/wireless and network communication between a payment medium, a payment terminal device, and a business server; an approval unit that reads payment information through the customer DB management unit and approves the payment when payment approval is requested; A control unit that completes the payment by applying the details approved by the approval unit to the DB of the business server, and allows the actual bank and card company to deposit the payment amount from the business operator's account to the affiliated store's account according to the payment result It is characterized in that it includes a transfer request unit. In addition, the business server may include other parts including a message generating unit for generating a full payment request message, may not be physically separated, and is arbitrarily divided for accurate understanding only in this description, so the present invention is limited by this doesn't happen

According to FIG. 1 according to the present invention, in the step of requesting a transfer payment from the payment terminal device 200 to the business server 300, the payment terminal device 200 through the payment intermediary server to the business server ( 300), and the payment intermediary server grasps the information of the payment medium 100 and the information of the payment terminal device 200 for the full payment request sent from the payment terminal device 200, It is characterized in that the step of sending a full payment request to the business server (300) is performed. In addition, when a payment request is made from the payment intermediary server or the business server 300, network communication is made through a server (eg, VAN (Value Added Network)) serving as a payment relay, and can be executed through the Internet. Of course, those of ordinary skill in the art may recognize the omitted process in a series of processes, but additional description will be omitted because it may obscure the essence of the present invention.

2 is a view for conceptually explaining the system configuration of the business server 300, customer DB 325, customer DB management unit 320, communication interface 330, transfer request unit 340, approval unit ( 310).

The customer DB 325 is, for example, a card DB for storing card information related to the payment medium 100 and customer information about the affiliate store itself, as well as at the time when payment is made in each payment terminal device 200 . The payment information DB for storing the payment time DB for payment terminal devices 200 used in two or more different payment points includes an alliance DB for storing information of businesses providing the service of the present invention. Additionally, for example, it may include information on payment card number, balance, accumulated point limit, remaining points, card expiration date, charging, withdrawal, etc. of the affiliated store, and affiliate information includes, for example, the name of the store owner, address , a phone number, sales results, etc. may be included.

The customer DB management unit 320 updates card information, customer information, payment time information, partnership information, withdrawal and charging data according to information provided through the payment terminal device 200 and information input through the business server 300 . As a component part for managing and managing the data, the data is stored and managed in the customer DB 325 . And, upon request for approval from the affiliated store, the customer DB management unit 320 provides information necessary for approval, for example, card information, customer information, payment time information, and partnership information from the customer DB 325 to the approval unit 310 . can do. Meanwhile, the customer DB management unit 320 may provide credit rating as information for approval to the approval unit 310 . Preferably, the present embodiment may further include an input unit (not shown), and the customer information may be updated through the input unit. To this end, the input unit may be directly or indirectly related to the customer DB management unit 320 . In addition, whether or not the relationship is affiliated can be stored, for example, as “1” if it is an affiliate relationship, “0” if it is not an affiliate relationship, and vice versa.

The communication interface 330 supports the necessary wired/wireless and network communication between the payment medium 100, the payment terminal device 200, and the business server 300, and the payment medium 100 and the payment terminal device 200 , all wired/wireless communication and network communication operations and processes described by the operator server 300 as a subject may include a payment intermediary server (not shown), a VAN server (not shown), and the Internet, and any other separate communication Even if communication is made through a path, the object of the present invention is achieved.

When approval is requested, the approval unit 310 checks whether the payment card number provided through the payment terminal device 200 is a registered number. To this end, the approval unit 310 requests a series of DBs required for approval processing from the customer DB management unit 320 and provides information related to the corresponding payment card number, for example, the remaining amount, payment limit, and payment time. The information is read and provided to the approval unit 310 . The approval unit 310 compares the remaining amount with the payment amount provided from the payment terminal device 200 and approves the payment only when the payment amount is less than or equal to the remaining amount. If the remaining amount is less than the payment amount, the approval unit 310 rejects the approval. In addition, in order to determine the approval of the refund payment, which is the core of the present invention, the approval judgment is performed on the time received from the customer DB management unit 320 . After completion of the process, the customer DB 325 is updated through the customer DB management unit 320 according to the corresponding payment information. In addition, the card information stored in the customer DB management unit 320 may include the remaining points and credit rating, and the refund payment system according to the present invention approves the payment according to the credit rating, and after a certain period of time, the corresponding It may also be made with a credit payment system in which payment is made.

In FIG. 2, S1, S2, ... of FIG. , it is characterized in that it is illustrated so that the process made in step S8 can be described in more detail. Furthermore, it is revealed that the core of the present invention is in steps S3, S4, S5, and S6 of FIG. 1 .

Step S1 is characterized in that the payment medium 100 transmits a refund payment request to the payment terminal device 200 .

Step S2 is characterized in that the transfer payment request sent from the payment terminal device 200 to the business server 300 is received through the communication interface 330 .

Step S3 is characterized in that the business server 300 retrieves the time of the most recent payment made at another affiliated point of the corresponding request card from among the existing payment details recorded in the business server, based on the refund payment request.

Step S4 is characterized in that it is determined whether the interval between the requested time of the currently requested refund payment and the imported time data exceeds a predetermined time according to the time data retrieved from the step S3.

Step S5 is characterized in that when the two payments are made within a predetermined time according to the determination of the step S4, a certain benefit is applied to the requested payment.

Step S6 is the step of automatically depositing the payment amount from the operator's real account to the affiliated store's account through a separate method (for example, a method using openAPI of openbanking) based on a series of payment information that has gone through the above processes. characterized.

In addition, the steps S3, S4, S5, and S6 may be in order at any time according to the communication speed and method, device quality and problem, the process of reading data, etc. with the payment terminal device 200, the payment intermediary server, and the business server 300 It can be changed, and this is also conceptually divided for clear explanation of the present invention, and since it may not be physically separated, it is clearly stated that the purpose of the present invention is achieved even if the method is made in other ways.

In step S7, after generating a refund settlement result through the exchange settlement process that has undergone a series of processes in the business server 300, transmitting the settlement result to the payment terminal device 200 through the communication interface 330 characterized.

Step S8 is characterized in that the exchange settlement result is notified from the business server 300 to the payment medium 100 .

3 is an exemplary diagram simply illustrating the case (A) (application case) and case (B) (non-applied case) of the refund payment as an embodiment in the time condition and partnership condition of the present invention.

Affiliate point A and Affiliate point B shown in this example diagram mean that the affiliated point is affiliated with the business server 300, and the payment terminal device 200 is provided at the affiliated point A and the affiliated point B, respectively. Although provided, the payment terminal device 200 is not limited to owning an affiliate store, and a payment medium (eg, a mobile application) owned by the payment requester can also perform the role of the payment terminal device (payment to this business server through a mobile application) information can be transmitted). Time T shown in this exemplary diagram means an interval between payment times performed at the affiliate point A and the affiliate point B, respectively.

3, in the case of (A), payment is made at 12:00 through the payment terminal device 200 of the affiliate branch A that is affiliated with the business server 300, and , a specific time stored in the business server 300 by making a payment request at 12:20 through the payment terminal device 200 of the affiliate branch B with which the business operator server 300 is affiliated (eg, If the payment is made at the affiliated branch within 30 minutes), according to a series of procedures of the business server 300, the transfer payment is approved in the business server 300 and payment is made at the affiliated point B with a discount applied at a certain rate characterized in that it is made.

On the other hand, in the case of (b), the payment is made at 12:00 through the payment terminal device 200 of the affiliate branch A, which is affiliated with the business server 300, and the business server 300 and A payment request is made at 12:40 through the payment terminal device 200 of the affiliate branch B with which the alliance is established, and the affiliate branch exceeds the specific time (eg, 30 minutes) stored in the business server 300 . When payment is made in , according to a series of procedures of the business server 300, the exchange payment is rejected by the business server 300, and the payment is made with the amount to which the discount is not applied.

4 is a view showing a flowchart according to a payment procedure according to an embodiment of the present invention.

In more detail, FIG. 4 shows a step (S601) of confirming payment information (whether or not a pre-payment of another affiliated company within a certain time) for the exchange payment in the business server 300 (S601), and the transfer payment when the step S602 is successful It is characterized in that it comprises the step of performing (S602), and performing a general payment when the step S601 is failed (S603). In addition, since FIG. 4 is a diagram for easy understanding of the present invention, it is clear that the object of the present invention is achieved even if the steps are not explicitly divided.

Claims (12)

A discount service method by means of a refund payment, the method comprising the steps of: in the business server, confirming whether a previous payment is made by another affiliated company within a predetermined time from the request time of the refund payment in the business server according to the payment request; and performing payment by applying the discounted amount to the fund amount after approval of the refund payment by the business server. What is claimed is: 1. A discount service method by means of a refund payment, comprising the steps of: retrieving the time of a recent payment made at another affiliated store with a corresponding request card from among the existing payment history data recorded in the business server in the business server; determining whether an interval between the time and the time of the currently requested payment exceeds a predetermined time; When both payments are made within a predetermined time, the discount service method comprising the step of applying a predetermined benefit to the requested payment. According to claim 1,
Discount service method, characterized in that payment information is transmitted from the mobile application to the business server. According to claim 1,
A discount service method means a payment in which a discount can be taken based on a change in payment location and time. According to claim 1,
The discount service method which may further include the step of notifying the payment approval to the payment medium as a process with or without a specific transit in the payment terminal device and/or the business server. In a discount service system based on reversal payment, information of a payment medium and a reversal payment request are received, a payment amount is received, and a payment intermediary server and/or a business operator through a predetermined payment network (eg, Value Added Network, VAN) or the Internet a payment terminal device, characterized in that it requests a transfer payment to a server; A business server that stores the time of request for refund payment for the received payment request, checks whether other affiliates have paid within a certain period of time, and applies the discounted amount to the fund after approval for refund payment ; A communication network comprising a communication network that receives an exchange payment request indirectly or directly from the payment terminal device and transmits an approval request to a business server through a predetermined payment network (eg, Value Added Network, VAN) or the Internet Discount service system, characterized in that. 7. The method of claim 6,
A discount service system refers to a payment that can be discounted based on a change in payment location and time. 7. The method of claim 6,
A discount service system including a payment terminal device capable of performing a payment processing process in a form utilizing a mobile application, rather than in the form of a conventional payment terminal. In the discount service server based on the exchange payment, when a transfer payment request is transmitted from the payment terminal device to the business server, the time of the most recent payment made at another affiliated store with the request card among the existing payment history data recorded in the business server is displayed. import step; determining whether an interval between the time and the time of the currently requested payment exceeds a predetermined time; A discount service server operating a program for executing the step of applying a certain benefit to the requested payment when both payments are made within a predetermined time. 10. The method of claim 9,
A discount service server means a payment that can take a discount based on a change in payment location and time. 10. The method of claim 9,
Discount service server, characterized in that it is preferable that the discount service server by the exchange payment is operated while being included in the business server. 3. The method of claim 1 or 2,
making a payment to the business server through a payment terminal device of a specific affiliate branch with which the business server is affiliated; making a payment to the business server through a payment terminal device of another specific affiliate branch that is affiliated with the business server; If payment is made at an affiliated branch within a specific time (eg, 30 minutes) stored in the business server, the latter is paid at the affiliated branch with the exchange discount applied by the business server according to a series of procedures of the business server. Discount service method, characterized in that made.

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